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Marketplace health plans in Orange County, FL — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, Orange County, Florida has 195 Marketplace health plans from 9 insurers: 65 bronze, 68 silver, 48 gold, 11 platinum, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $718.10 per month; the lowest bronze premium is $537.01.
What changed vs 2026
- Benchmark silver premium up $38.02 a month (+5.6%) from 2026
- 13 fewer plans than 2026
- Insurers exited: Cigna Healthcare, Molina Healthcare
- Lowest bronze premium up $35.59 a month
Market snapshot
- Residents under 65
- 1,280,198
- Insurers
- 9
- Plans by metal level
- 65 bronze, 68 silver, 48 gold, 11 platinum, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $718.10/mo
- Lowest bronze premium, age 40, before subsidies
- $537.01/mo
- Lowest gold premium, age 40, before subsidies
- $665.51/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,025
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 38 plans (Catastrophic, Bronze, Silver, Gold, Platinum)
- Oscar Health Maintenance Organization of Florida — 36 plans (Bronze, Silver, Gold)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- Health First Commercial Plans, Inc. — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 16 plans (Bronze, Silver, Gold)
- Wellpoint — 15 plans (Catastrophic, Bronze, Silver, Gold)
- AvMed — 14 plans (Bronze, Silver, Gold, Platinum)
- AmeriHealth Caritas Next — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Catastrophic | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) (36194FL0450003) | Health First Commercial Plans, Inc. | HMO | $422.52 | $12,000 | $12,000 | 3 |
| Bronze | Bronze Simple Breathe Easy with Enhanced COPD Benefits | with AdventHealth (21525FL0010006) | Oscar Health Maintenance Organization of Florida | HMO | $537.01 | $9,000 | $12,000 | 65 |
| Silver | Thrive Silver (49004FL0010050) | Ambetter Health | HMO | $708.54 | $8,000 | $9,400 | 68 |
| Gold | Gold Basic | with AdventHealth (21525FL0010071) | Oscar Health Maintenance Organization of Florida | HMO | $665.51 | $0 | $11,400 | 48 |
| Platinum | AvMed Entrust Platinum 25 (2027) (19898FL0340020) | AvMed | HMO | $1,157.01 | $0 | $7,750 | 11 |
One plan per metal level shown, of 195 plans in the county.
Benchmark silver premium by age
The benchmark plan (Oscar Health Maintenance Organization of Florida) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $561.90 | $588.86 | $637.75 | $718.10 | $1,003.54 | $1,524.97 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.